Create merchant-locked virtual cards with low limits and short expiration windows. Route every recurring charge to a dedicated card you can freeze without touching essentials. Turn on real-time alerts, category controls, and monthly reports. Favor credit protections when appropriate, and schedule one calendar event to audit transactions.
Remove store apps from your home screen, require passwords for purchases, and bundle notifications into scheduled summaries. Try grayscale evenings, focus modes, and time limits on shopping categories. Replace shopping shortcuts with reading lists or hobbies. Insert a breathing pause with a short affirmation before any checkout page.
Filter emails with labels like receipt, invoice, renewal, and payment. Send them to a weekly digest and auto-forward copies to your finance folder. Auto-create calendar events for annual renewals. Unsubscribe from promotional blasts. Keep a dedicated finance address to reduce noise and spotlight what actually charges you.